信用卡透支额度与个人收入是否有关？-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	信用卡透支额度与个人收入是否有关？
释义	法律分析：根据我国《银行卡管理条例》，银行应当根据持卡人信用状况确认持卡人的可用信用额度，但并未规定信用卡透支额度与个人收入的相关关系。因此，银行可以根据持卡人的信用情况、还款记录等因素来确定信用卡透支额度，并非完全依赖个人收入情况。法律依据： 1. 《银行卡管理条例》第二十五条银行应当按照客户申请和承诺及严格的信用评估程序设定和调整银行卡额度和透支额度。 2. 《中华人民共和国合同法》第九十二条一方因不可抗力不能履行合同的，根据不可抗力的影响，可以部分或者全部免除责任。
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